California Rates and Terms

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California Consumer Information

California Payday Loan Terms

Cash Central wants to help you get the funds you need when you need them, and as a direct lender for payday loans Cash Central will handle your loan from beginning to end. With a payday advance online, funds from your loan will be deposited directly in your checking account, and in general, the due date of your loan is tied to your next pay date. When your loan is due, we automatically access your checking account via an authorized electronic withdrawal, or, if you have provided it, the debit card associated with your checking account. For alternative repayment options, please contact us.

Representative Example of Payday Loan Fees:

A 14-day payday loan of $255.00 has an Annual Percentage Rate of 459.88% and a finance charge of $44.98.

To view additional examples of payday loan fees, select a loan amount and duration from the drop-down menus below. Your results will be shown below once you select a loan amount, duration, and click the ‘Submit’ button.

day Payday Loan of has an Annual Percentage Rate of %. Finance Charge: .

This is only for illustrative purposes and provides an example of a typical payday loan we offer to qualified applicants. If approved, the specific rates and terms of your loan agreement will depend on your qualifications.

Amount Provided Fee Amount of Check 14-Day Annual Percentage Rate 30-Day Annual Percentage Rate
$100 $17.64 $117.64 459.90% 214.62%
$200 $35.28 $235.28 459.90% 214.62%
$255 $44.98 $299.98 459.88% 214.61%

California law dictates Deferred Deposit Transactions cannot exceed $255 for a total check amount of $300.

How your due date is determined:

The term of these payday loans is 4-31 days. The system will set your loan due date to coincide with your next payday, unless your next payday is less than 7 days away. If you need a different due date, please call 1-800-460-4305 for assistance. Whenever possible, we suggest making your loan due date on your next payday.

Repayment Options:

When your loan is due we will automatically withdraw the total amount due from your checking account via an authorized electronic withdrawal or, if you’ve provided it, the debit card associated with your checking account. If you need an alternative method of payment, please call 1-800-460-4305. Please remember that if you cannot repay your loan in full on its due date, you should contact us one banking day before your loan is due. Refinances are not allowed in California.

For more information on repayment options such as courtesy moves, refinances, and extended or variable payment plans, please contact us at 1-800-460-4305, or visit our FAQ page.

ACH/EFT Authorization:

Your online agreement will be governed by the laws and regulations of the state of California. If your authorized ACH debit is returned for any reason you agree to the following:

  • You are authorizing us to initiate electronic debits to your account in the amounts up to or less than the amount owed until the amount owed is paid in full. Your authorization shall remain in effect until we have received written notice of its termination. We must also have had a reasonable opportunity to act on this authorization.
If you have questions or concerns regarding your loan, please contact us by calling 1-800-460-4305 or by sending us an email at customerservice@cashcentral.com.

A single payday loan is typically two to four weeks. However, borrowers often use these loans over a period of months, which can be expensive. Payday loans are not recommended as long-term financial solutions.

Disclosures under the California Deferred Deposit Transaction Law:

Information about the charges for your deferred deposit transaction is set forth above. A fee of $15 may be charged if the check you give us is returned for any reason or if electronic transfer is rejected. You cannot be criminally prosecuted or threatened with criminal prosecution for purposes of collecting a deferred deposit obligation. We may not accept any collateral in connection with a deferred deposit transaction. This is a deferred deposit transaction made pursuant to Cal. Financial Code section 23035. This transaction is not subject to Cal. Civil Code section 1719, and you cannot be required to pay treble damages if your check does not clear. The Department of Financial Protection and Innovation toll-free number for receiving calls concerning consumer complaints and concerns is 1-866-ASK-CORP (1-866-275-2677).

CCFI Funding, LLC is licensed by the California Department of Financial Protection and Innovation pursuant to the California Deferred Deposit Transaction Law, Financial Code Section 23000 et seq.